import java.util.Scanner;

public class ComputeLoan
{
	public static void main(String[] args)
	{
		Scanner input = new Scanner(System.in);

		System.out.print("Enter yearly interest rate, for example 8.25: ");
		double annualInterestRate = input.nextDouble();

		double monthlyInterestRate = annualInterestRate / 1200;

		System.out.print("Enter number of years as an integer, for example 5: ");
		int numberOfYears = input.nextInt();

		System.out.print("Enter loan amount, for example 120000.95: ");
		double loanAmount = input.nextDouble();

		double monthlyPayment = loanAmount * monthlyInterestRate / (1 - 1 / Math.pow(1 + monthlyInterestRate, numberOfYears * 12));
		double totalPayment = monthlyPayment * numberOfYears *12;

		System.out.println("The monthly payment is " + (int)(monthlyPayment * 100) / 100.0);
		System.out.println("The total payment is " + (int)(totalPayment * 100) / 100.0);
	}
}